When exploring insurance options for bone marroww transplants (BMT) in India, it’s important to understand the types of coverage available, associated costs, and the specifics of insurance policies. Here’s an overview:
1. Insurance Coverage for BMT
Critical Illness Plans: Many insurance providers cover bone marroww transplants under critical illness plans. These policies generally include costs related to inpatient hospitalization, surgery, and related procedures if recommended by a specialist
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Donor Costs: While policies often cover the recipient’s costs, expenses for donors (e.g., testing and harvesting stem cells) may have restrictions. Clarify with the insurer
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Waiting and Survival Periods: Policies may impose a waiting period (usually 90 days) and require the insured to survive for a specific duration post-diagnosis, typically 30 days, to claim benefits
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2. Recommended Insurers
Leading insurers like Star Health, ICICI Lombard, HDFC ERGO, and Tata AIG offer plans that include coverage for transplants. Be sure to compare premiums, co-payments, exclusions, and maximum coverage limits
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3. Cost of BMT in India
Autologous transplants (using the patient’s cells) typically cost ₹8–12 lakhs, while allogeneic transplants (using donor cells) range from ₹15–25 lakhs. These costs vary depending on the hospital, type of transplant, and post-transplant care
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Prestigious hospitals like Apollo (Delhi), Yashoda (Hyderabad), AIIMS (Delhi), and Tata Memorial (Mumbai) are known for their advanced facilities and BMT expertise
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4. Additional Financial Support
Crowdfunding and NGOs: Organizations like Milaap and Ketto, along with NGOs, provide financial support for transplant-related expenses.
Government Schemes: State or central government schemes may assist low-income families with medical costs.
Before choosing a policy, consult with your healthcare provider and insurer to ensure comprehensive coverage tailored to your needs. For more detailed assistance, visit insurance comparison platforms or consult financial advisors familiar with medical coverage.
